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Auto-enrollment, matching, and participation in 401(k) plans

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  • Andrietti, Vincenzo

Abstract

This study uses plan-level annual data from Form 5500s to analyze the effects of automatic enrollment and employer matching on 401(k) plan participation rates, and the effect of automatic enrollment on employer average match rates. The potential endogeneity of these 401(k) plan provisions is addressed by exploiting the panel structure of the data. The results indicate that while both auto-enrollment and average match rates have positive and significant effects on plan participation rates, the effect of auto-enrollment is substantially higher. Moreover, auto-enrollment is found to have positive and significant effects on average match rates.

Suggested Citation

  • Andrietti, Vincenzo, 2021. "Auto-enrollment, matching, and participation in 401(k) plans," UC3M Working papers. Economics 34382, Universidad Carlos III de Madrid. Departamento de Economía.
    • Handle: RePEc:cte:werepe:34382
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    More about this item

    Keywords

    Fractional response models;

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • J32 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - Nonwage Labor Costs and Benefits; Retirement Plans; Private Pensions

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